Call reports 2025
MAGNOLIA BANK, INC — 2025
What MAGNOLIA BANK, INC reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 485,385,000 | 504,815,000 | 502,718,000 | 515,459,000 |
| Total loans | 378,162,000 | 409,768,000 | 430,473,000 | 427,901,000 |
| Allowance for loan losses | 5,857,000 | 6,053,000 | 6,995,000 | 6,973,000 |
| Securities available for sale | 71,038,000 | 69,952,000 | 49,012,000 | 43,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,460,000 | 439,188,000 | 425,241,000 | 444,781,000 |
| Interest-bearing deposits | 357,709,000 | 391,598,000 | 376,838,000 | 392,072,000 |
| Noninterest-bearing deposits | 47,751,000 | 47,590,000 | 48,403,000 | 52,709,000 |
| Equity capital | 49,041,000 | 48,633,000 | 50,807,000 | 53,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,732,000 | 13,959,000 | 21,324,000 | 28,758,000 |
| Interest expense | 2,830,000 | 5,858,000 | 8,975,000 | 11,913,000 |
| Net interest income | 3,902,000 | 8,101,000 | 12,349,000 | 16,845,000 |
| Noninterest income | 11,262,000 | 22,944,000 | 36,464,000 | 49,813,000 |
| Noninterest expense | 14,994,000 | 30,814,000 | 45,952,000 | 61,028,000 |
| Provision for loan losses | -29,000 | 174,000 | 1,127,000 | 1,172,000 |
| Pretax income | 208,000 | -53,000 | 1,942,000 | 4,634,000 |
| Income tax | 178,000 | 438,000 | 618,000 | 633,000 |
| Net income | 30,000 | -491,000 | 1,324,000 | 4,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,306,000 | 51,536,000 | 53,016,000 | 55,576,000 |